Fundulato₹
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Estimate your EPF growth, employer/employee contributions, and pension projection with Fundulator’s smart EPF calculator.
When enabled, 8.33% of employer share (max ₹1250/month) goes to EPS; rest to EPF.
💡 Add your current EPF balance and include expected salary growth for more realistic results.
⚠️ Calculations shown are approximate and for illustration purposes only.
| Year | Age | Basic+DA (annual) | Employee (annual) | Employer →EPF | Employer →EPS | Interest | EPF Corpus | EPS Accumulated |
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Understand how your Employee Provident Fund grows and plan your retirement corpus effectively.
EPF includes 12% employee contribution + 12% employer contribution (8.33% to EPF, 3.67% to EPS), effectively doubling your retirement savings.
EPF compounds monthly at ~8.25% p.a. (government-declared rate), making it one of the safest high-return investment options for retirement.
Get monthly pension post-retirement based on your average salary and service years. Maximum pension is ₹7,500/month, plus 2 bonus years if service > 20 years.
You can contribute more than 12% (up to 100% of your salary) to VPF (Voluntary Provident Fund). VPF earns the same EPF interest rate and is completely tax-free at maturity.
Enable "Salary Growth" to see how annual increments boost your EPF corpus. Even 6% annual growth can significantly increase your retirement savings.
Track your EPF accumulation year-by-year with detailed tables showing contributions, interest earned, and corpus growth for better retirement planning.
The Employees’ Provident Fund is a government-backed retirement savings scheme for salaried employees, with contributions from both employer and employee.
The Employees’ Pension Scheme (EPS) provides a monthly pension post-retirement, funded by part of the employer’s EPF contribution.
EPF interest is compounded monthly and credited annually on the accumulated balance. The rate is revised annually by EPFO.
Yes, partial withdrawals are allowed under certain conditions such as home purchase, education, or medical emergencies.
EPS Pension = (Average of last 5 years’ Basic + DA × Service Years) ÷ 70. Maximum monthly pension is ₹7,500.
EPF is employer-linked and includes matched contributions, while PPF is voluntary with fixed interest and 15-year lock-in. EPF generally builds a larger corpus for salaried individuals.